1. Although there are many lump-sum payments, interest and other expenses can be exempted.
2. The whole purchase process is relatively simple.
Disadvantages:
1, the full purchase pressure is relatively high.
2. The risk is high.
Loan advantages:
1, the pressure is relatively small.
2. The risk is relatively small.
Disadvantages:
1, long-term liabilities.
First, the advantages and disadvantages of buying a house in full
Advantages:
1. The cost of buying a house in full is very small. Although the down payment is large, from the total amount of buying a house, all kinds of handling fees and bank interest can be exempted.
2. The process is simple to buy a house in full, and directly sign a house purchase contract with the developer, saving time and convenience. For those who buy two properties, in addition to saving the cost of floating loan interest rates, they also save time and energy in dealing with banks.
3. sell well. From the investment point of view, it is more convenient to buy a house in full first and then sell it. Not subject to bank loans. Once the house price rises, it will change hands quickly and it will be easy to quit. Even if you don't want to sell, you can mortgage your house to the bank when the economy is in trouble.
Disadvantages:
1. Buying a house in full at one time under great pressure will become a great burden for those property buyers with weak economic foundation. If the funds are not sufficient, the one-time investment in buying a house is too large, which may affect other investments of buyers.
2. There are many variables. As far as most of the properties for sale are faster, buyers who choose one-time payment will increase the risk of buying a house. If you choose one-time payment, each building will require buyers to pay all the house price in the pre-sale stage and sign a contract for the sale of commercial housing. But for property buyers, it is full of unknown variables, and the biggest problem is "difficulty in filing".
3. It is very risky. For those who buy faster houses, if the developer fails to deliver the house on time, or the project cannot be completed or even "unfinished" due to insufficient funds, the buyers who have paid the full amount may lose more benefits, or even be beaten in Shui Piao.
Second, the advantages and disadvantages of loans to buy a house
Advantages:
1, spend tomorrow's money to round out today's dream mortgage loan, that is, borrow money from the bank, and you can buy your own house without spending a lot of money right away.
2. Use limited funds for multiple investments. From the perspective of investment, mortgage buyers can invest their funds separately, borrow money to buy a house and rent it, and then invest again, so that the funds can be used flexibly.
3. When the bank gives you a loan, the bank naturally cares about the quality of the real estate project. In addition to auditing yourself, banks will also help you audit developers and help you check, which is natural and safe.
disadvantaged
1, when it comes to shortcomings, the first is psychological pressure. Buyers are really in debt, and it's not easy for anyone.
2, it is not easy to realize quickly because the property itself is mortgaged, so the house is difficult to resell, which is not conducive to the delisting of buyers. Therefore, buying a house is a big deal, but when buying a house, you must choose the payment method that suits you according to your actual situation.